SWIFT/BIC code
A SWIFT code, also called a BIC (Bank Identifier Code), is a standardized 8- or 11-character code that identifies a specific bank (and sometimes a particular branch) in the global SWIFT messaging network. It is the international counterpart to a U.S. routing number and is required to send or receive an international wire transfer; an 8-character code refers to the bank's head office, while the 11-character form adds a branch identifier. It identifies the institution, not the account — the recipient's account number (or IBAN, where used) is supplied separately.
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How to authorize a wire transfer
To authorize a wire transfer, you instruct your bank in writing to send a specific amount to a named beneficiary, supplying their account number and a bank identifier — a routing number for a domestic wire or a SWIFT/BIC code for an international one. Because a sent wire is generally final, verify the instructions first.
How to safely share your bank details to get paid
To get paid, you only need to share your routing number and account number — that is enough to receive a deposit, and those numbers cannot pull money out by themselves. Share them through a secure payer portal, not plain email or social media, and never hand over your online-banking login, PIN, or card details.